The earnings call conveyed a generally positive outlook with record earnings per share, strong net interest income growth, and strategic branch acquisitions. However, challenges included increased provisions for credit losses and higher non-interest expenses.

Company Guidance

During the Community Bank System, Inc.'s Second Quarter 2025 Earnings Conference Call, the company provided guidance highlighting several key financial metrics. GAAP earnings per share increased by 6.6% year-over-year to $0.97, including restructuring expenses and performance-based incentive accruals. Operating earnings per share reached a record $1.04, up from $0.95 in the prior year. Net interest income rose by 14% year-over-year to $124.7 million, marking the fifth consecutive quarter of growth, with a net interest margin increase to 3.3%. The company's nonperforming loans decreased by $21.7 million from the previous quarter, and the allowance for credit losses stood at $81.9 million. The company also announced a significant branch acquisition, expected to close in the fourth quarter, which will enhance their market presence without issuing new shares. Overall, the company expressed optimism about achieving its growth targets due to strong liquidity, a stable core deposit base, and a diversified revenue profile.

Record Operating Results Per Share

GAAP earnings per share of $0.97, up 6.6% over the second quarter of the prior year, and operating earnings per share were $1.04, the highest quarterly results for the company.

Strong Net Interest Income Growth

Net interest income was $124.7 million in the second quarter, a 14% improvement over the previous year, marking the fifth consecutive quarter of growth.

Insurance Services Revenue Increase

Year to date, the insurance services business is up 13% in revenue, with an operating margin increase to 23% driving a 70% expansion in operating pretax earnings.

Strategic Branch Acquisition

The acquisition of seven Santander branches in Pennsylvania is expected to close in Q4, enhancing market presence and liquidity without share issuance.

Positive Loan Growth

Ending loans increased by $98 million or 0.9% during the second quarter, driven by net organic growth in the consumer indirect lending portfolio.

Community Bank System (CBU) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CBU Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	1.04 / -	0.83	―	―	―
Jul 22, 2025	2025 (Q2)	1.01 / 1.04	0.9	15.56% (+0.14)	―
Apr 29, 2025	2025 (Q1)	0.91 / 0.98	0.76	28.95% (+0.22)	―
Jan 21, 2025	2024 (Q4)	0.90 / 0.94	0.8	17.50% (+0.14)	―
Oct 22, 2024	2024 (Q3)	0.88 / 0.83	0.82	1.22% (+0.01)
Jul 23, 2024	2024 (Q2)	0.81 / 0.90	0.95	-5.26% (-0.05)	―
Apr 23, 2024	2024 (Q1)	0.78 / 0.76	0.9	-15.56% (-0.14)	―
Jan 23, 2024	2023 (Q4)	0.84 / 0.80	1	-20.00% (-0.20)	―
Oct 24, 2023	2023 (Q3)	0.88 / 0.82	0.94	-12.77% (-0.12)	―
Jul 31, 2023	2023 (Q2)	0.85 / 0.95	0.89	6.74% (+0.06)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CBU Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$57.92	$55.77	-3.71%
Apr 29, 2025	$55.20	$54.06	-2.07%
Jan 21, 2025	$62.24	$64.27	+3.26%
Oct 22, 2024	$57.50	$56.49	-1.76%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Community Bank System (CBU) report earnings?

Community Bank System (CBU) is schdueled to report earning on Oct 27, 2025, Before Open (Confirmed).

What is Community Bank System (CBU) earnings time?

Community Bank System (CBU) earnings time is at Oct 27, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CBU EPS forecast?

CBU EPS forecast for the fiscal quarter 2025 (Q3) is 1.04.

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